My guess is that you will need to borrow from a Hard Money Lender.  

On a buy n hold I borrow the private funds for 120 days. 

I can still borrow a lot more before I hit that cap. 

But if you are a borrower questioning whether to buy now or to wait, consider other factors impacting the housing market and stop waiting to see another 2008 dip, because you'll probably be missing out on a lot of opportunities. 

@Erica Bird  I have had claims over my 40 years of doing thisa huge one.. were myself as the buyer of a HML portfolio discovered that a borrower in our portfolio had forged reconveyances and Deeds of trust.. so the deeds and releases on said properties were not valid..

Also when refinancing what's the avg loan to value can we borrow up to.

has anyone heard of this process and how can a Co-borrower get a mortgage "excused" from their credit when the other is making the payments.

And if the answer is "no," it'll take even more time.But, I have a solution that may work quote well for both you AND for your buyer.Assuming the census tract and the borrower's income work, Fannie Mae HomeReady is often a better deal than FHA anyways.

The one bullet point non-detailed summary of who is likely to end up on one of those financial, mortgage, and real estate type crimes - to include non-felonies.In terms of timing, I just pulled a random file up from a closed transaction in Oakland, and the database checks were run 5 days after I submitted the file as a matter of course with no particular rush request or anything, which tells me that if it was going to be an issue then this borrower would have known in time for their earnest money to be protected by the loan contingency, but after they've spent a grand on appraisal and inspection.When someone volunteers that they are concerned about mysterious government watch lists, we run that check at the preapproval stage.

I have no experience borrowing from Realty Shares.You need to be an Accredited Investor to put money into Realty Shares.The criteria is:Individual income over $200,00/yearOr: You and your spouse have total income over $300,000/yearOr: Net worth over $1,000,000 not including your primary residence